Billings Automobile Insurance

Billings automobile insurance can be confusing if you’re not familiar with the laws governing automobile coverage in the state of Montana. You’re probably pretty dependant on your automobile and you need to make sure you and your family are protected in the event of an accident. That’s not always easy to do. With the amount of information out there, you can find yourself overwhelmed just trying to figure it out. You need to know where you stand and taking a look at what coverage is available to you is the first step in assessing your needs.

Our free online service can assist you in finding all types of Montana automobile coverage. From the basic liability required by law, to something tailored to your specific needs, you’ll find all the top Billings automobile insurance companies and get quotes for comparing coverage. Best of all, you can access this information from the comfort of your own home.

Billings, MT is the largest city in Montana with a population of just over 100,000. It is the biggest metro area between Denver, CO and Calgary, Alberta. Billings has much to offer in the way of natural beauty. It’s a traditional town in many ways, with about a third of the households comprised of families with school age children. Busy Billings families doing the things busy families do-work, school, hockey practice. At any given time there are apt to be many trucks, cars and SUV’s on Billings roads.

When looking for an auto insurance agency, you’ll need to apprise yourself of the laws governing insurance in the state. Montana operates under a tort system. What this means is that anytime there’s an accident, someone must be proven to be at fault. The at-fault person bears financial and legal responsibility for the accident. Knowing this before you decide on your coverage could persuade you to opt for greater Billings automobile insurance.

Three Main Types of Billings Auto Insurance

Every state has a minimum amount of coverage you are bound, by law, to carry on your vehicle. Moreover, you must be able to show proof of financial responsibility (auto insurance) if you are stopped, for any reason, by the authorities. The fines vary depending on your state, but Montana’s fines are pretty steep. Failure to provide proof of financial responsibility is a misdemeanor and carries a fine of up to 500.00 and an automatic 5 points added to your license (30 points means revocation of your license), and possibly 10 days in jail. It really makes sense to get that Billings vehicle insurance coverage, don’t you think?

The law requires you carry, at minimum, basic liability insurance coverage. This type of coverage provides compensation for anyone you've injured or any property you've damaged in the event of an accident. As the responsible party, you must provide for any medical or repair bills not covered by your automobile insurance company. You should ask your Billings car insurance agent to increase the amounts of your liability coverage to protect you from litigation.

Additional coverage, such as collision, or comprehensive are not required under law, but they are a wise choice if you’re dependant on your Billings, MT automobile. Collision will pay for damages to your car caused in an accident for which you have been found at fault.

Your Billings auto insurance company will pay to have your automobile repaired. In the event it cannot be repaired you will be compensated the market value for your automobile. Market value is the amount your automobile is worth today and may be substantially lower than what you paid for it initially.

If you’re driving a leased automobile, or you’re still making payments to a finance company, you’ll need to carry collision insurance as a condition of the lease, or finance agreement. This protects the leasing agency or finance company in the event of a loss. Failure to carry collision insurance could result in repossession of your automobile.

Comprehensive coverage protects your automobile in the event of weather related damage, natural disasters, theft or vandalism. It’s not that uncommon to hit a deer with your vehicle in this region and hitting an animal of that size can cause some significant damage. Your comprehensive coverage will protect you in that event.

There are other enhancements your Billings auto insurance agent can make to your basic policy. Consider uninsured/underinsured motorist to protect you if you are in an accident with someone who doesn’t have enough-or any-insurance. You may add personal injury protection to cover medical bills and lost wages, even if you are found to be at fault.

Choosing Your Billings, MT Coverage

Taking the time to compare Billings automobile insurance policies and rates online allows you to provide the best protection for you and your family. You can travel life’s bumpy roads with confidence. After all, isn’t that all you really want?


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